the common cry out of washington, d.c., our elected officials, especially barney frank, was it's the right for every american to own a home. well, maybe it's a right, but do they have the responsibility to go with a right? everybody's beating up on wall street for the excesses of the housing boom and that the housing boom was what created the calamity of 2008. but thank god for technology, because mr. frank can be easily brought up where he has gone on aggressively and emotionally about how we have to make homeownership affordable for everybody -- >> right. >> -- and how we have to do this and do that. look at fannie and freddie, creations -- creatures of the federal government. this couldn't have happened without their compliance. >> and no legislation about it in dodd-frank. >> exactly right. >> about fannie and freddie. >> of course not. >> the last case-schiller report, bob, it showed prices rising to the highest level since 2006. what kind of an impact might higher rates have on that? >> well, yeah, i think that once the -- we get past this record low territory, there's -- once